The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$4,387
−HK$275/mo
▼ 0.25% · 3.875%
HK$4,523
−HK$139/mo
Today · 4.125%
HK$4,662
baseline
▲ 0.50% · 4.625%
HK$4,946
+HK$284/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$9,324/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,880
−HK$264/mo
▼ 0.25% · 3.875%
HK$5,011
−HK$133/mo
Today · 4.125%
HK$5,144
baseline
▲ 0.50% · 4.625%
HK$5,415
+HK$271/mo
Deposit HK$962K · loan HK$962K · min. income ≈ HK$10,288/mo (50% DSR)
Upfront cash ≈ HK$962K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,264
−HK$331/mo
▼ 0.25% · 3.875%
HK$5,428
−HK$167/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,935
+HK$340/mo
Deposit HK$770K · loan HK$1.15M · min. income ≈ HK$11,190/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,857
−HK$316/mo
▼ 0.25% · 3.875%
HK$6,014
−HK$159/mo
Today · 4.125%
HK$6,173
baseline
▲ 0.50% · 4.625%
HK$6,498
+HK$325/mo
Deposit HK$770K · loan HK$1.15M · min. income ≈ HK$12,346/mo (50% DSR)
Upfront cash ≈ HK$770K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,142
−HK$385/mo
▼ 0.25% · 3.875%
HK$6,333
−HK$194/mo
Today · 4.125%
HK$6,527
baseline
▲ 0.50% · 4.625%
HK$6,924
+HK$397/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$13,054/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,833
−HK$369/mo
▼ 0.25% · 3.875%
HK$7,016
−HK$186/mo
Today · 4.125%
HK$7,202
baseline
▲ 0.50% · 4.625%
HK$7,581
+HK$379/mo
Deposit HK$577K · loan HK$1.35M · min. income ≈ HK$14,404/mo (50% DSR)
Upfront cash ≈ HK$577K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,897
−HK$495/mo
▼ 0.25% · 3.875%
HK$8,142
−HK$250/mo
Today · 4.125%
HK$8,392
baseline
▲ 0.50% · 4.625%
HK$8,902
+HK$510/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$16,784/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,785
−HK$474/mo
▼ 0.25% · 3.875%
HK$9,020
−HK$239/mo
Today · 4.125%
HK$9,259
baseline
▲ 0.50% · 4.625%
HK$9,748
+HK$489/mo
Deposit HK$192K · loan HK$1.73M · min. income ≈ HK$18,518/mo (50% DSR)
Upfront cash ≈ HK$192K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).